Did Visa’s (V) $12 Billion Cybersecurity Push Redefine Its Investment Story?

• In August 2025, Visa announced the rollout of its global Cybersecurity Advisory Practice and appointed Jeremiah Dewey as global head of cyber products, underscoring a US$12 billion investment in technology and infrastructure over the past five years to support payments security and client risk management.
• A unique aspect of this announcement is the utilization of Visa’s extensive network of consultants, data scientists, and product experts to deliver tailored cybersecurity strategies and solutions for clients worldwide.
• We'll examine how Visa's new Cybersecurity Advisory Practice, signaling a deepened focus on security and technology, impacts its investment narrative.

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Visa Investment Narrative Recap

To be a Visa shareholder, you need to believe in the continued global shift to digital payments, Visa’s ability to innovate beyond traditional card rails, and its resilience against evolving competitive and regulatory threats. The new Cybersecurity Advisory Practice deepens Visa’s investment in client trust and security but does not appear to materially shift the most important catalyst for the stock right now: growth in value-added services. The primary risk remains regulatory and competitive pressure on margins if new channels bypass Visa’s network.

Of the recent announcements, the launch and scale of Visa Direct stands out as particularly relevant. With 25% transaction growth, Visa Direct’s expansion anchors management’s view that cross-border and real-time payment solutions are key short-term drivers, especially as the company uses enhanced security offerings to retain and attract clients in an increasingly contested space. However, unlike these product-led catalysts, the durability of Visa's transaction fee model is threatened if alternative networks scale rapidly.

In contrast, an emerging concern investors should be aware of is how fast-growing real-time payment systems could eventually ...

Read the full narrative on Visa (it's free!)

Visa's outlook anticipates $51.9 billion in revenue and $28.5 billion in earnings by 2028. This implies a 10.1% annual revenue growth rate and an $8.4 billion increase in earnings from current earnings of $20.1 billion.

Uncover how Visa's forecasts yield a $391.70 fair value, a 16% upside to its current price.

Exploring Other Perspectives

Simply Wall St Community members have provided 37 fair value estimates for Visa ranging from US$243.09 to US$391.95 per share. While innovation in areas like cybersecurity is seen as a growth catalyst, shifting payment rails and regulatory risks could shape Visa’s longer-term performance. Explore the differing viewpoints to understand where your outlook fits.

Explore 37 other fair value estimates on Visa - why the stock might be worth as much as 16% more than the current price!

Build Your Own Visa Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Visa research is our analysis highlighting 2 key rewards that could impact your investment decision.
• Our free Visa research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Visa's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.